Is the savings goals tracker free?
Yes. The free plan keeps up to three active or paused goals with progress, pace, milestones, the paycheck split and CSV import and export; reached and archived goals never take a slot. Pro removes the limit and adds the AI savings coach and shared books. Every new account gets 14 days of Pro, no card needed.
How much do I need to save each month to reach my goal?
With a target date, the tracker divides what is still missing by the months left and shows it on the goal; the form does the same live while you type. It then compares your monthly plan, or your three-month average, with that figure: at least 10% above is ahead, more than 5% below is behind.
Can I split my paycheck between several goals?
Yes. Enter what arrives each weekly, fortnightly or monthly pay cycle and the overview divides it across active goals in priority order, pro-rated to the cycle, never giving a goal more than it still needs. It is a suggestion, not a transfer: one confirmed tap books the whole split as contributions dated today.
Does it connect to my savings account or add interest?
No. It does not connect to any bank or move money; what is in a goal is what you log. Projections are linear and do not compound, because interest on savings is usually small next to the deposits — log interest as a contribution. For the compounding version, a goal's button opens the Target Savings calculator with its numbers.
What if I need to take money out of a goal?
Log it as a withdrawal: it subtracts from what is saved, and the progress, pace and projected date update straight away. A goal can also be paused, which keeps its money and place but takes it out of the paycheck split. The monthly streak counts months with a positive net contribution, so one bad month only restarts it.
Can my partner and I save for the same goal?
Yes, on Pro, in a shared book: a separate list where everybody sees the same goals and progress, editors add goals and put money in, and each contribution shows who made it. Your personal goals stay private and are never mixed in, and exporting the whole book is free for every member.
Can I save in different currencies?
Yes. Each goal has its own currency, so a euro holiday fund and a dollar emergency fund sit side by side. Contributions are recorded in the goal's currency, while totals, rings and the paycheck split are converted into the currency selected in the header at the day's rates.
How do I add goals quickly?
Type them in, import a CSV with at least a name and a target (names already on the list are skipped), or send a result from the Target Savings, Emergency Fund or Savings calculator. Grace, the site assistant, can also open the add form filled in from a sentence like "save 3,000 for a trip by June" — you review and save.